OASI, DI, IC

Find useful information about the different social insurances in Switzerland.

What is the old age and survivors insurance (OASI)?

The old age and survivors insurance OASI (AHV/AVS) is a compulsory Swiss social security insurance aiming at covering the basic subsistence for retired persons (old-age pension) or to the survivors on the death of the provider/bread-winner (widow’s and orphan’s annuities). All persons living or working in Switzerland are mandatorily insured in the OASI. The half of the monthly contribution is payd by the employee and the other half by the employer. The employee contribution is deducted directly from the gross salary and amounts, together with the DI and IC, to 5.05% of the gross salary. The benefits depend on the height of the past income and the contribution duration.

What is the Disability Insurance (DI)?

The Disability Insurance DI (IV/AI) is a compulsory Swiss social security insurance aimed at ensuring the basic subsistence of insured persons through rehabilitation measures or financial benefits if they are, or become, incapable of working. All persons living or working in Switzerland must have a DI. The half of the monthly contribution is payd by the employee and the other half by the employer. The monthly contribution is deducted directly from the gross salary and amounts, together with the OASI and the IC, to 5.05% of the gross salary.

What is the Income Compensation (IC)?

Income compensation (IC) is a compulsory Swiss social security insurance paying compensation for loss of earnings to persons serving in the Army, civilian service and civil defense as well as for expectant mothers. All persons living or working in Switzerland are mandatorily insured in the OASI, DI and IC. The half of the monthly contribution is payd by the employee and the other half by the employer. The monthly contribution is deducted directly from the gross salary and amounts to 0.15% of the gross salary.